I use it every month. Never been late....... I received a notice a few months back that they would be taking over. I called them because I had to reset my online account and I ask them when did they report to the CRA's. The rep told me "usully at the end of the statement period". I said okay and the nexy next month instead of them reporting the TL, it was removed and has been for a couple of months now.
Im not exactly sure if the TL was helping or not. It was new, so it was bringing down my history. i want to get a mortgage within the next 3 months, so IM scared to mess with it.